BPI provides one the lowest interest rates on deposits coz they dont need your money anymore. BPI for me is the number 1 bank because they have surplus of funds. It is very safe but dont expect to earn more. If your purpose of depositing your money in the bank is for investment, then you're making a huge mistake. interest rates continues to be low, inflation stil stays at 5%. better invest it in stocks through mutual funds! this is the time for the capital market to boom. the economy is picking up so we should ride with it. if you wanna know about mutual funds. PM me